Consolidating debt without reuning your credit
You have the right to sue a collector in either a federal or state court within one year of the date the law was violated.
If you win your case against the collector, you may recover damages.
If you receive a summons to appear in court after you disputed the debt in writing, you’ll still want to go to court.
When you do, make sure you bring a copy of the letter you sent the collector disputing the debt.
Fair Debt Collection Practices Act, passed by Congress to protect consumers like you, a debt collection is a person or company that regularly collects debts owed to others, typically when those debts are past due.
As the Consumer Financial Protection Bureau points out, debt collectors include collection agencies or lawyers who do this as part of their business.
Pro Tip: If you’re going to dispute the debt, it’s a good idea to do so immediately.
A collector may report the debt to a Consumer Reporting Agency, or send you notice of the debt the same time it sends you a summons to appear in court.This tool will break down your credit scores into sections and give you a grade for each.You’ll see, for example, how your payment history, debt and other factors are affecting your scores, and you’ll get recommendations for steps you may want to consider to address any problems.For example, the creditor may decide to sue you to recover the debt, in which case they’re allowed to contact you again to give you this update., tell the collector the name of your attorney.If you prefer your attorney handle the situation, you can tell the collector not to contact you again and only speak with your attorney.The collector is not legally allowed to contact you again after that, unless your attorney gives the collector permission to contact you.Tags: Adult Dating, affair dating, sex dating